Individual Life Insurance Products

If you purchased your Fidelity Life coverage through your employer, group, or association membership, click here.

As much as we plan for major life events — marriage, our first home, children, retirement — we often overlook one of the most fundamental aspects of a solid financial strategy, and that's life insurance. Life insurance is crucial for helping to ensure that family needs are met in case of the death of a loved one during peak earning years.

WHO NEEDS LIFE INSURANCE?
You need a life insurance policy if anyone depends on your income or stands to inherit a financial burden in the event of your death. The money your dependents will receive, "the death benefit," can help pay essential day-to-day expenses, such as the mortgage and medical bills, and help your family reach longer-term goals such as your children’s college education. Plus, life insurance can help ensure that your loved ones are not burdened with debt, or forced to sell assets to pay outstanding bills or taxes.

WHAT TYPE OF INDIVIDUAL LIFE INSURANCE POLICIES DO YOU CURRENTLY OFFER?
Our current offerings are listed below. Since there are many different types of life insurance products available, contact your Fidelity Life agent today to help you choose the right life insurance policy to fit your needs.

LifeStory Term: This unique patent-pending product provides guaranteed level term periods of 10, 15, 20 or 30 years in benefit amounts up to $1,000,000, depending on age. Coverage is available for people ages 18 to 65 years.

Hybrid Life: Competitively priced high face-amount coverage available with a convenient 24 to 48 hour approval process. Your initial coverage is a blend of all cause and accidental death life insurance. With medical underwriting following policy issuance, you may enhance this blend by increasing your all cause coverage component and eliminating or reducing your accident only limitation. You may defer the medical exam for up to six months or choose to not undergo medical underwriting at all and keep your blended policy in force as issued. Please call 1-888-440-1554.

Rapid Decision Express: Fast, hassle-free level death benefit term life insurance product to age 95. With our Rapid Decision Express product and our state-of-the-art Rapid App application, the approval and delivery process has been streamlined to allow you to obtain coverage from Fidelity Life in days, not months.

Rapid Decision Final Expense: Provides protection for individuals ages 50-85 that can help lessen the burden of covering one’s final expenses. Approvals are based on health questions; and there is no medical exam required. Permanent whole life coverage is available up to $35,000.

Rapid Decision Guaranteed Issue: Provides protection for individuals ages 50-85 that can help lessen the burden of covering one’s final expenses. Acceptance does not require answering any medical questions. Permanent whole life coverage is available up to $20,000. Death benefit is full coverage amount after a 3 year reduced benefit period.

Accidental Death Benefit: For as little as $10 a month, you can have the coverage you need to protect your family and investments with our Accidental Death Benefit insurance.

For Customer Service on Individual Life Products, Contact Us At:
(800) 369-3990 (between 8:00am and 5:00pm, CST)

Not all products available in all states. Fidelity Life Association is licensed in all states and the District of Columbia, except for Wyoming and New York. Our NAIC number is 63290.

Invitations for application for life insurance on FidelityLife.com are made through Efinancial, LLC or through its designated agent, Michael W. Rowell, only where licensed and appointed.License numbers are available upon request and are automatically provided where required by law. Michael Rowell is a licensed life insurance agent in all 50 states, including the District of Columbia, and his resident state of Washington. Michael W. Rowell’s Washington license number is 150354; in California, 0C83033; in Louisiana, 265202; in Minnesota, 20234878; in Utah, 126919; in Massachusetts, 1757436; and in Texas, 1001041. Efinancial, LLC’s California license number (d/b/a Efinancial Term Insurance Services) is 0F37537; in Louisiana, 323680 and in Utah, 104501.

Not all products available in all states. Fidelity Life Association is licensed in all states and the District of Columbia, except for Wyoming and New York. Our NAIC number is 63290.

* Quotes based on a composite of participating carriers which have at least an “A-” rating by A.M. Best. Rates current as of 10/6/2011 for a Guaranteed 10 year term-life policy, issued at each company’s best-published rates. Comparison made for a male, preferred plus, non-tobacco user, ages 35, 40, 45 and female, preferred plus, non-tobacco user, ages 35, 40, 45. Rates and the products available may vary by state. All policies are subject to underwriting approval.

American General Life and Accident Insurance Company, Nashville, TN; Banner Life Insurance Company, Urbana, MD, and William Penn Life Insurance Company, Garden City, NY, both Legal & General America companies; Fidelity Life Association, A Legal Reserve Life Insurance Company, Chicago, IL; Genworth Life and Annuity Insurance Company, Lynchburg, VA and Genworth Life Insurance Company of New York, New York, NY, member companies of Genworth Financial, Inc.; First MetLife Investors Insurance Company, New York, NY, MetLife Investors USA Insurance Company, Irvine, CA and Metropolitan Life Insurance Company, New York, NY, all three members of the MetLife family; Protective Life and Annuity, Birmingham, AL; Pruco Life Insurance Company, Newark, NJ and Pruco Life Insurance Company of New Jersey, Newark, NJ, member companies of Prudential Financial, Inc., Newark, NJ; Reliastar Life Insurance Company, Minneapolis, MN, Reliastar Life Insurance Company of New York, Woodbury, NY and Security Life of Denver Insurance Company, Denver, CO, member of the ING family of companies; Transamerica Financial Life Insurance Company, Harrison, NY, and Transamerica Life Insurance Company, Cedar Rapids, IA, both AEGON companies